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"An Empirical Study on Credit Risk Management and the Return On Equity in Syrian Private Banks"

"دراسة تطبيقية على إدارة مخاطر الائتمان و العائد على حقوق الملكية في المصارف الخاصة السورية "

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 Publication date 2018
  fields Business Management
and research's language is العربية
 Created by Shamra Editor




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Credit risk management is one of the important topics in the banking sector and it is considered As an essential and decisive and proactive factor to reduce losses and earn an acceptable level of return to its shareholders. The objective of research to study the impact of credit risk management on the rate of return on equity in private banks in Syria and the nature of this effect. To achieve the goal of the search a Convenience sample was selected from private banks in Syria for which financial reports and risk management reports were available. The search results showed There is no statistically significant relationship between credit risk management and rate of return on equity in private banks in Syria in that time period At a significant level of 5% . but there is a statistically significant relationship between credit risk management and return on equity if the hypothesis is tested at a significant level of 10%. The results also showed a statistically significant relationship between the rate of non-performing loans and the rate of return on equity , And The capital adequacy ratio negatively affects the rate of return on equity.


Artificial intelligence review:
Research summary
تتناول هذه الدراسة إدارة مخاطر الائتمان وتأثيرها على معدل العائد على حقوق الملكية في المصارف الخاصة السورية. تم اختيار عينة من ستة مصارف خاصة سورية للفترة من 2007 إلى 2011، وتم استخدام معدل كفاية رأس المال ونسبة القروض غير المنتجة كمؤشرين لإدارة مخاطر الائتمان. أظهرت النتائج عدم وجود علاقة ذات دلالة إحصائية بين إدارة مخاطر الائتمان ومعدل العائد على حقوق الملكية عند مستوى معنوية 5%، ولكن توجد علاقة عند مستوى معنوية 10%. كما أظهرت النتائج وجود علاقة سلبية بين معدل كفاية رأس المال ومعدل العائد على حقوق الملكية، وعلاقة إيجابية بين نسبة القروض غير المنتجة ومعدل العائد على حقوق الملكية. توصلت الدراسة إلى أن إدارة مخاطر الائتمان تفسر 19% من التغير في معدل العائد على حقوق الملكية، وأوصت بضرورة تحقيق توازن بين رفع معدل كفاية رأس المال ومعدل العائد على حقوق الملكية، ووضع معايير ائتمان سليمة، وعدم الاعتماد على الضمانات فقط في منح القروض.
Critical review
دراسة نقدية: على الرغم من أهمية الدراسة في تسليط الضوء على إدارة مخاطر الائتمان في المصارف الخاصة السورية، إلا أن هناك بعض النقاط التي يمكن تحسينها. أولاً، العينة المستخدمة صغيرة نسبياً ولا تشمل المصارف الإسلامية، مما قد يؤثر على تعميم النتائج. ثانياً، الفترة الزمنية المختارة قد لا تكون كافية لاستخلاص نتائج دقيقة حول تأثير إدارة مخاطر الائتمان على العائد على حقوق الملكية. ثالثاً، الدراسة اعتمدت على تقارير مالية قديمة نسبياً، مما قد يقلل من دقة النتائج في السياق الحالي. وأخيراً، كان من الأفضل تضمين تحليل نوعي إلى جانب التحليل الكمي لفهم أعمق للعوامل المؤثرة.
Questions related to the research
  1. ما هي العلاقة بين إدارة مخاطر الائتمان ومعدل العائد على حقوق الملكية في المصارف الخاصة السورية؟

    لا توجد علاقة ذات دلالة إحصائية بين إدارة مخاطر الائتمان ومعدل العائد على حقوق الملكية عند مستوى معنوية 5%، ولكن توجد علاقة عند مستوى معنوية 10%.

  2. ما هو تأثير معدل كفاية رأس المال على معدل العائد على حقوق الملكية؟

    معدل كفاية رأس المال يؤثر بشكل سلبي على معدل العائد على حقوق الملكية.

  3. هل هناك علاقة بين نسبة القروض غير المنتجة ومعدل العائد على حقوق الملكية؟

    نعم، هناك علاقة إيجابية بين نسبة القروض غير المنتجة ومعدل العائد على حقوق الملكية.

  4. ما هي التوصيات التي قدمتها الدراسة لتحسين إدارة مخاطر الائتمان في المصارف الخاصة السورية؟

    أوصت الدراسة بتحقيق توازن بين رفع معدل كفاية رأس المال ومعدل العائد على حقوق الملكية، ووضع معايير ائتمان سليمة، وعدم الاعتماد على الضمانات فقط في منح القروض.


References used
Saunders, M, & Thornhill, A, & Lewis, P. Research Methods for Business Students,5th edition, Pearson Education, New York,2009
Hosna, A, Manzura, B, & Juanjuan, S. Credit Risk Management and Profitability in Commercial Banks in Sweden. UNIVERSITY OF GOTHENBURG, Master theses,2009
Zou, Y, & Li, F. The Impact of Credit Risk Management on Profitability of Commercial Banks : A Study of Europe.UMEA University, 2014
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